Once we graduate from high school we are immediately thrown into the world where knowing how to make and spend money responsibly is paramount, though we don’t have the chance to hone our saving strategies or analyze our spending tendencies until confronted with the responsibilities of independent living.

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Credit card management alone is a huge aspect of financial literacy. Credit card debt is the fastest growing among adults age 18 to 24. From 1982 to 2011, credit card debt among 25 to 34 year-olds increased more than 50%. Combined with the crippling debt of student loans and reckless money management, many graduates find themselves in the hole before they have even embarked on a career.

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7 out of 10 college students feel stressed about their finances, and rightfully so. According to College Ave, financial jargon plays a big role in a students ability to maintain a successful financial plan. College students who are financially literate make better financial decisions. From everyday spending to long-term financial spending, effective money management means being able to further your personal, professional, and practical goals – no matter where you are.